Mortgage Servicer Creates Fictitious Delinquency Through Accounting Errors and Reports It to Credit Bureaus
Shellpoint Mortgage Servicing manufactured a false delinquency through accounting errors and reported it as adverse information to credit agencies. The borrower had no mechanism to prevent the false reporting before it damaged their credit score. Challenging servicer-generated false reporting requires disputing with both the servicer and multiple credit bureaus simultaneously.
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